Clifty Creek Employees Federal Credit Union is a federal credit union headquartered in Madison, Indiana, in business for about 68 years. At the end of Q2 2026 it reported $16.3M in total assets and $13.5M in member shares and deposits, with 1 office.
Clifty Creek Employees Federal Credit Union has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 62% of its 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Indiana, it ranks 39th. Capital cushion contributes the most (100/100, 16.95%); earnings contributes the least (0/100, -0.92%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (74 → 79), mostly because the funding & liquidity component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 82 |
| Q4 2024 | 76 |
| Q1 2025 | 65 |
| Q2 2025 | 74 |
| Q3 2025 | 77 |
| Q4 2025 | 78 |
| Q1 2026 | 79 |
| Q2 2026 | 79 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 17.67% |
| Q3 2024 | 17.11% |
| Q4 2024 | 18.76% |
| Q1 2025 | 18.35% |
| Q2 2025 | 18.37% |
| Q3 2025 | 18.08% |
| Q4 2025 | 17.63% |
| Q1 2026 | 17.22% |
| Q2 2026 | 16.95% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.06% |
| Q3 2024 | 0.01% |
| Q4 2024 | 1.24% |
| Q1 2025 | 1.20% |
| Q2 2025 | 0.33% |
| Q3 2025 | 0.09% |
| Q4 2025 | 0.04% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.52% |
| Q3 2024 | 0.49% |
| Q4 2024 | 0.97% |
| Q1 2025 | -1.77% |
| Q2 2025 | -0.86% |
| Q3 2025 | -0.93% |
| Q4 2025 | -0.93% |
| Q1 2026 | -1.01% |
| Q2 2026 | -0.92% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $16.3M | 16.95% | 0.00% | -0.92% | 69.1% |
| Q1 2026 | 79 | $16.2M | 17.22% | 0.00% | -1.01% | 68.5% |
| Q4 2025 | 78 | $16.1M | 17.63% | 0.04% | -0.93% | 74.0% |
| Q3 2025 | 77 | $15.9M | 18.08% | 0.09% | -0.93% | 75.6% |
| Q2 2025 | 74 | $15.8M | 18.37% | 0.33% | -0.86% | 82.9% |
| Q1 2025 | 65 | $15.9M | 18.35% | 1.20% | -1.77% | 87.6% |
| Q4 2024 | 76 | $15.9M | 18.76% | 1.24% | 0.97% | 93.0% |
| Q3 2024 | 82 | $16.4M | 17.11% | 0.01% | 0.49% | 100.0% |
| Q2 2024 | 82 | $16.2M | 17.67% | 0.06% | 0.52% | 99.3% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Indiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Tippecanoe Federal Credit UnionCredit union Lafayette, IN | 75 out of 100, Strong | $15.4M | 12.9% | 0.64% | vs |
| Profinance Federal Credit UnionCredit union Merrillville, IN | 59 out of 100, Moderate | $15.0M | 20.0% | 3.79% | vs |
| Jefferson Community Federal Credit UnionCredit union Madison, IN | 79 out of 100, Strong | $18.0M | 10.7% | 0.05% | vs |
| Wayne County Federal Credit UnionCredit union Richmond, IN | 89 out of 100, Very strong | $13.5M | 14.3% | 0.00% | vs |
| Power One Federal Credit UnionCredit union Fort Wayne, IN | 59 out of 100, Moderate | $19.4M | 13.0% | 1.77% | vs |
| A H E Plant 3 Federal Credit UnionCredit union Winchester, IN | 100 out of 100, Very strong | $12.2M | 19.9% | 0.07% | vs |
Deposit insurance
Is my money safe at Clifty Creek Employees Federal Credit Union?
Yes. Clifty Creek Employees Federal Credit Union is a federally insured credit union (NCUA charter #12152). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 16.95%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Clifty Creek Employees Federal Credit Union lists 1 office in 1 city. Most locations:
- Madison, IN (1)
Identity & history
Profile
- Legal name
- Clifty Creek Employees Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 12152
- RSSD ID
- 291385
- Primary regulator
- NCUA
- Established
- 1958
- Headquarters
- 220 Clifty Dr Ste H, Madison, IN 47250
- Employees
- 3
Quick answers
Clifty Creek Employees Federal Credit Union: common questions
Is Clifty Creek Employees Federal Credit Union NCUA insured?
Yes. Clifty Creek Employees Federal Credit Union is a federally insured credit union (NCUA charter #12152). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Clifty Creek Employees Federal Credit Union's TellerScore?
79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Clifty Creek Employees Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Madison
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Business and Industrial Federal Credit UnionCredit union Columbus, IN | 91 out of 100, Very strong | $44.9M | 18.0% | 0.24% | vs |
| Carrollton Federal BankBank Carrollton, KY | 87 out of 100, Very strong | $43.6M | 15.7% | 0.00% | vs |
| Jefferson Community Federal Credit UnionCredit union Madison, IN | 79 out of 100, Strong | $18.0M | 10.7% | 0.05% | vs |
| Bedford Loan & Deposit BankBank Bedford, KY | 76 out of 100, Strong | $121.8M | 14.6% | 1.27% | vs |
| German American BankBank Jasper, IN | 75 out of 100, Strong | $8.4B | 11.2% | 0.45% | vs |
| Civista BankBank Sandusky, OH | 75 out of 100, Strong | $4.3B | 12.7% | 0.92% | vs |